Pros & Cons
Pros
- +Welcome Bonus: $100
- +Purchase protection included
- +No annual fee
Cons
- –Foreign Transaction Fee (2.5%)
Our Review
If you have an individual income of $60,000 or a household income of $80,000, you can choose the Tangerine® Money-Back World Mastercard®*.
This credit card has no annual fee and allows you to earn cash back on your everyday purchases. With the current offer, you can get $100 when you spend $1,500 within your first three months††.
You get 2% unlimited cash back in 2 categories of your choice and 0.5% on all your other purchases. Plus, you can unlock a third 2% category when your cash back is deposited into a Tangerine Savings Account.
Choose from 13 spending categories (groceries, gas, restaurants, and more) and change them every 90 days to match your habits◊.
The card also includes useful protections, including purchase assurance and extended warranty5, as well as mobile device insurance and coverage for rental vehicles5.
Finally, you can transfer high-interest credit card balances and enjoy a promotional rate of 1.95% for 6 months (a 1% transfer fee applies)11.
Save on fuel with Shell
All Tangerine cardholders can get savings and rewards on fuel with Shell and Scene+ when you link your cards to your Shell Go+ account. Get up to 8¢/L in value with a linked Money-Back World Mastercard or Money-Back Credit Card:
- Instant savings of 3¢ per litre on all grades of Shell fuel.
- Earn up to 3¢ per litre in cash back with fuel selected as a 2% category.
- Earn 1¢ per litre in Scene+ points value on all grades of Shell fuel, or 2¢ per litre in Scene+ points value on Shell V-Power® when you link your Scene+ Account to Shell Go+.
Rewards
All Spending
0.5x
Cash Back pts per dollar
Groceries
2x
Gas
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$312
$/yr
Estimated Value
$312
After Fees
+$312
1st Year Value
$412
incl. welcome bonus
Annual rewards breakdown
- Earn $100 Cash Back after $1,500 in purchases in 3 months
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Included
Auto Rental
Included
Interest Rates
- Purchase Rate20.95%
- Cash Advance22.95%
- Balance transfer rate22.95%
- Balance Transfer Promo1.95%
Intro period: 6 · Fee: 1
- Foreign Transaction Fee2.5%
Eligibility
Personal Income
$50,000
Household Income
$80,000
Additional Benefits
Shell fuel benefit: 8¢ per litre in value at Shell stations.
Terms & Conditions
Card Features
- Get $100 with a Tangerine® Money-Back World Mastercard®*.
- Spend $1,500 in your first 3 months to enjoy this Bonus.††
- Get 2% unlimited cash back in 2 categories of your choice and 0.5% on all your other purchases.
- Plus, unlock a third 2% category when your cash back is deposited into a Tangerine Savings Account.
Legal
*Conditions apply.
† Bank Offer: This offer is provided by Tangerine Bank and is subject to their terms and conditions.
† Bank Offer: This offer is provided by Tangerine Bank and is subject to their terms and conditions.
Related Cards
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. TravelPointsPro may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Tangerine. All trademarks are property of their respective owners.










